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What is Public Liability Insurance for a Cleaning Business?

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As a cleaner you are part of the trades and services industry and are subject to the same risks as other tradespeople if someone is injured or suffers damages as a result of your cleaning work. This can range from accidental damage to property while cleaning to people being injured when slipping on a wet floor you have cleaned and suffering significant injuries. Public liability insurance may cover you for both property damage and/or personal injury suffered by a third party that has been found to be caused by your cleaning activities. Even when you have taken all the right precautions and believe you are not in the wrong, an adverse decision could lead to you being liable for significant monetary damages and legal fees which could bankrupt your business or, in some cases, even lead to personal bankruptcy. Public liability insurance may protect you against this.
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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.

Insurance Broker Code of Practice: We subscribe to and are bound by the Insurance Brokers Code of Practice a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au/insurance-brokers-code-of-practice

Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.

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*Important: Insurance protection may be available only subject to meeting insurers underwriting criteria. Some of the insurance protections listed may not be available or may have limitations or exclusions. Insurance protection cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Please check your policy schedule carefully for inclusions , exclusions and limitations. Talk to a business insurance broker on 1300 670 250 for more information.

General Advice Warning:
The information in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.
Contact an authorised insurance broker , accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between the author and the reader.

# Copyright© 2024. All rights reserved. www.publicliabilityaustralia.com.au is a website for SMART Business Insurance, a Corporate Authorised Representative (AR Number 437328) of United Insurance Group (UIG) AFS Number 327131. Client reviews featured are for Smart Business Insurance.